As for the very first payment, you can apply well in advance of your start date.If you are applying for a start date of January 2013, I agree. When I applied I was beyond the full vesting age and wanted to start receiving payments ASAP. While my birthdate was fixed, the date I asked had an effect on how long I had to wait until the first payment. Thank you for posting this information, I just assumed my delay variability was normal. But for those planning ahead, life is more predictable.GordonAtlanta
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